Caring For Your Home

You may have invested a lot of time, money and effort to make your home cosy, but have you got a good insurance policy to protect this sweet home of yours?

The Home Package Insurance Policy provided by Generali is a comprehensive cover insuring against your property losses, legal liability to third parties and many other accidental misfortunes.

Home Package Insurance

Section	Cover
1. Contents	Accidental physical loss of or damage to CONTENTS at HOME including : furniture, fixtures, fittings, household goods and personal effects which belong to the Insured or any member of the family normally residing with the Insured (sub-limit : HK$50,000 per item) VALUABLES : gold, platinum, silver, jades, diamonds, jewellery, other precious metals or stones, watches, works of art, antiques, chinaware, curios and furs (sub-limits : 10% of the Maximum Limit of Indemnity subject to HK$15,000 per item) Extensions: Excesses: - HK$500 each and every claim   - HK$1,000 each and every claim under the Extension (c) - Household Removal   - HK$1,000 or 10% of each and every claim whichever is the greater for loss or damage arising from water
	Maximum Limit of Indemnity HK$1,000,000 or the actual value of CONTENTS at HOME, whichever is the less
2. Public Liability	Legal liability of the Insured (including any member of the family normally residing with the Insured) in respect of accidental bodily injury or accidental loss of or damage to property occuring at or about HOME Excess: HK$500 each and every third party property loss or damage claim
	Maximum Limit of Indemnity HK$7,500,000
3. Personal Accident	Death of the Insured caused by fire, theft or attempted theft whilst at HOME (If more than one person is shown on the Policy Schedule as the Insured, the Maximum Limit of Indemnity will be divided equally among these persons)
	Maximum Limit of Indemnity HK$250,000

Major Exclusions to Note

war, terrorism, radioactive contamination, pollution, wear and tear, mechanical or electrical breakdown, unexplained loss, infidelity of employee, illegal structure, defective workmanship, landslip or subsidence, liability caused by vehicle or watercraft, animal or pet

Premium Table:

The above serves as a general guideline only.

For details of cover, please refer to the exclusions, terms and conditions of our Policy. (Insurance Policy is written in English.)

Download Policy Copy (pdf)